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Thread: Motor Vehicle Insurance And Claims

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    Addicted livetoride's Avatar
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    Default Motor Vehicle Insurance And Claims

    I am starting this thread cos i felt a biker should also know about the legalaties and procedure for filing, renewing and claiming insurance on a motor vehicle and its not only restricted to two wheelers. We take insurance of a motor vehicle very lightly and i know it will not be as exciting as harley davidson coming to india but it is of utmost importance thats why its mandatory.Everything related to the topic can be discussed here. All xbhpians are welcome to provide valuable inputs and personal experiences with insurance companies. I am listing a few topics which need to be discussed and you guys also can put forward points which you feel important and we all can discuss about it 1. Types of motor vehicle insurance 2. How to choose a suitable policy 3. Renewal,policy lapse and switching insurance companies 4. What damages covered, what about personal and third party cover ? 5. Is partial damage to motor vehicles covered ? 6. Claims: the hows and whys and everything that needs to be covered So we or atleast me thaught that insurance was only a paper to be shown when you are stopped by cops...Well not anymore......BE INFORMED.
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    Insurance Discussion Approved
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    I'd like to know from those here who have made claims. Please mention the company, and your experience, esp. the ease and speed with which your claim was cleared (or not cleared). Also mention if it was cashless. This will help us to get an idea about the best insurance companies for 2 wheelers.

    Personally, I'v never made a claim for any 2 wheeler till date, so can't mention any personal experience.

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    Hi All,
    Would like to share my experience
    Hope it helps

    Bike : Glamour 125CC
    Insurance company : ICICI Lombard

    I met with an accident in last june (A auto made a sharp turn and and hit my bike)
    As it was my 1st accident so dinnt knew much what to do. I took Auto driver to side and was talking) Suddenly he ran towards his auto started it and ran away
    Dammm..........
    As my Glamour was not starting so I was unable to follow him
    Anyway
    Went to nearest police station to register a complaint and got my copy

    Called ICICI Lombard help line and iniciated my request for a claim

    They said I will get a call from them within 24 hrs.

    Next morning call came from Area manader and said he has appointed Mr Pandey for my case and said to call him.
    Well I called mr pandey and he said to bring bik to HH Service center in Lajpat Nagar
    I said thats its not my usual SC, why only this one, but he kept recommending this SC only (May be some comission )
    Ant way I went there next morning, Got my Bike Ispected, He clicked some photo graphs and gave list of parts to be changed

    Few points to be noted
    Company will only give expenses for one side. Depending on your bike fell on left or right
    You will only get 50% for plastic parts and 50-100% on metal parts, Mine bike was 2 years old so i got 80%
    Labour cost in given in full

    Total expenses for repairs was some 3500, I paid SC money and goy my bike next day

    After 5 days I received cheque of 2400 in my name

    I was happy with service of ICIC lombard cant say much abou other companies

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    Here's my story.

    Bike: Bajaj Platina
    Insurance company: Bajaj Allianz

    I met with a minor accident last year. I was taking a turn and was at a halt, waiting for the oncoming traffic to clear up. An uncle on his chetak rammed into the front wheel of my bike. I didn't notice any damage at that time but later on I saw that the wheel has tilted to the left. The tyre was now close to the mudguard from the right side and away from the left side. I went to the Bajaj service center the next day and told them about this accident. They made me fill up a form describing the details of the accident. The mechanic had inspected my bike and told that there was a fork and handlebar bend. I went the next day to take the delivery of the bike. It had costed me about Rs. 750. I had to pay this amount initially and then after a week the insurance company had reimbursed this amount through a cheque.

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    Addicted livetoride's Avatar
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    well quick work from insurance companies there. would the same apply to hypothecated vehicles or would the claim amount be taken by insurance companies ? are hospital expenses paid by the insurance companies in case of injury ?
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    Rusted Raccoon's Avatar
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    Quote Originally Posted by thechamp View Post
    Hi All,
    Would like to share my experience
    Hope it helps

    Bike : Glamour 125CC
    Insurance company : ICICI Lombard
    It's good to know you had a decent experience with them (though you should insist on getting the work done at the service center of your choice only... unless there is a good reason like cashless claim).

    However, ICICI And Reliance have the worst reputation in the business and both are best avoided, if you are going in for private insurance companies.
    Last edited by Raccoon; 10-07-2009 at 12:48 AM.

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    Unhappy

    this is a query regarding whether i should claim insurance on this situation or not.

    situation: got my bike (zma-r) yesterday morning. No number, No insurance. Will get both this friday.

    Meanwhile, today, my bike was parked in my company parking lot and some one crashed his bike on mine. My tank cover got bent and the sticker is tampered. In the rear side also my stickers are gone and plastics have dents.

    So what should i do now? Please suggest me a solution. I am really desperate. Can i claim insurance on this and get this parts replaced?

    Edit: My insurance company is going to be Reliance.

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    ^^^ That depends on what the repair cost is going to be. Get an estimate from your workshop. Then calculate how much of it will be borne by the insurer. Since plastic parts are involved, you will likely loose more... just chekc it out, I can't recall offhand. If the cost is appreciably more than the NCB you will loose next year, it would be benificial for you to make a claim.

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    Default Insurance help regarding crash with old lady

    Yesterday evening, I had a crash on Pune Nasik Highway with a pedestrian Old Lady. I was in full riding gear and did not get hurt but the old lady had her face smashed on the faring and fell unconscious on the side of the road.

    I did handle the mob situation efficiently and within 20 minutes both of us were in a govt. hospital where she got her first aid, i also had my case paper made but i wasn't hurt thanks to the gear. Later we shifted the lady to a private hospital on our expense (for the time being).

    The problem now is, how do i proceed with my claim procedure with the insurance company and the police (as a 3rd party is involved).

    P.S.: Bajaj Allianz Insurance could not be notified / consulted due to sunday + non working call center.
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